Uber's services have revolutionized modern travel. With a simple tap on your smartphone, you can get a ride almost anywhere, simplifying the way we move around. As convenient as Uber is, it’s not without its risks. Accidents can happen, and when they do, passengers may suffer injuries.
In this article, typical Uber accident injuries, how to determine liability, as well as the legal process for compensation.
Typical Injuries in Uber Accidents
Passengers in an Uber may suffer a wide range of injuries, particularly when the vehicle is in an accident. Among the most common injuries are:
Neck Injuries: Neck strain, also known as whiplash, is common in rear collisions, resulting in pain and stiffness. The symptoms may take time to surface.
Bone Injuries: High-impact accidents can lead to broken arms, legs, and ribs. They may need surgery or prolonged recovery time.
Concussions and Brain Trauma: From mild concussions to severe TBIs, head injuries can vary in severity. These injuries may result in long-term cognitive issues and other serious health problems.
Herniated Discs and Paralysis: A severe impact may cause spinal cord damage, herniated discs, or even paralysis. These injuries may require surgery, physical therapy, and long-term care.
Strains and Sprains: Soft tissue injuries like sprains and strains are common in car accidents. Despite being "minor," they can cause considerable pain and complications.
Severe Scratches and Lacerations: Shattered glass or other debris from an accident may lead to severe cuts. Such cuts may need immediate medical attention, including surgery.
Determining Liability in Uber Injury Cases
Understanding who is liable in an Uber injury case is often complex. Several parties may be responsible for the accident. Liability could fall on the Uber driver, other motorists, or other third parties.
The Uber Driver: Uber drivers can be held liable if they were negligent or reckless. Examples include speeding, DUI, or violating traffic rules.
Other Drivers: When another driver causes the accident, they may be held responsible.
Uber’s Liability: Although Uber classifies drivers as independent contractors, the company’s insurance is uber liable for accidents might apply. Uber’s insurance includes a $1 million policy for accidents during trips.
Liability from Third Parties: Third parties, such as government entities or manufacturers, may be liable. In such cases, lawsuits may involve multiple parties to determine responsibility.
Insurance Coverage for Uber Accidents
The amount of insurance Uber provides depends on when the accident happens. Coverage changes depending on if the driver is waiting for a ride request or transporting passengers.
No App Usage: If the Uber driver is not using the app, they must rely on personal coverage.
Driver Online Without Passengers: While waiting for a ride request, Uber’s insurance offers minimal coverage. Liability limits include $50,000 for injuries and $25,000 for vehicle damage.
Driver En Route or During a Ride: Once the driver is picking up or transporting a passenger, Uber offers much higher coverage. This includes $1 million in third-party liability coverage, uninsured motorist coverage, and collision coverage.
Filing a Legal Claim After an Uber Accident
In severe injury cases, legal action might be the best option if insurance fails. Legal action may result in financial recovery for hospital bills, lost income, and more.